OneDegree郭彥麟：分享一帶一路成功經驗

一筒金 財經新思維

A New Financial Thinking of One Tube Gold

又到財經新思維環節

It's time for the new perspective segment on finance.

今天開始 某法局有一帶一路論談金

Starting today, a certain legal bureau has discussions on the Belt and Road Initiative.

有很多不同的嘉賓會上去講

There will be many different guests speaking.

他們在一帶一中所謂的成功例子

Their so-called successful examples in the Belt and Road Initiative.

今天我們先找一個相伴 截他戶

Today we will first find a companion to intercept him.

找來我們的好朋友

Invite our good friend over.

One Degree 草蜜人兼行政總裁

One Degree Grass Honey Person and CEO

郭賢 阿Alphin

Guo Xian Ah Alphin

Alphin 你好

Hello Alphin.

你好

Hello

一帶一路的發言

Belt and Road Initiative remarks

明天再說

Talk about it tomorrow.

我今天先截你

I will cut you off today first.

先說說

Let's talk about it first.

其實我認識One Degree很多年

Actually, I have known One Degree for many years.

我定期都找你上來

I regularly come to see you.

我最近的投資與論壇都找了你上來

I recently found you on my investment and forum searches.

我那時候說

I said at that time.

其實你們已經在中東方面做出成績

Actually, you have already achieved results in the Middle East.

一帶一路裡面

Within the Belt and Road Initiative

根本上就算明天的發言

Basically, even tomorrow's speech.

你都在說中東方面的成績

You have been talking about the achievements in the Middle East.

是不是

Is it?

簡單說

In simple terms.

其實作為一個舉例

Actually, as an example.

我們叫先上的保險公司的話

If we call the insurance company that was contacted first,

這幾年先說一下你們市場的佔有率

In the past few years, first let's talk about your market share.

現在大家認識One Degree

Now everyone knows One Degree.

就是這期賣廣告也很高

The advertisement sales for this issue are also very high.

最成功的就是充物保險

The most successful thing is inventory insurance.

接著你們這兩年最成功的就是

Then the most successful thing for you in the past two years is...

你所謂的加密資產的一些保險

Some insurance for the so-called crypto assets you mentioned.

接著最近還開了AI

Recently, AI was also launched.

這幾樣不同的

These few different ones.

特別是頭兩者

Especially the first two.

是新產品來調

It is a new product to adjust.

一次過跟我說一下

Tell me all at once.

市場佔有率是怎樣的

What is the market share like?

我們現在充物保險在香港來說

We are currently providing property insurance in Hong Kong.

差不多九成的市佔率

Almost a 90% market share.

九成

Ninety percent.

我們加密資產

We encrypt assets.

虛擬貨幣的保險那裡

Where is the insurance for virtual currency?

我們亞洲差不多七八成市佔率

We hold about 70-80% of the market share in Asia.

所以不只是香港

So it's not just Hong Kong.

區內也是

Within the area as well.

香港也差不多三四成市佔率

Hong Kong also has about a 30-40% market share.

而我們剛剛六月初的時候

And just at the beginning of June, we...

出了AI的攻擊

An attack from AI.

的驗身項目

The verification items.

還有相關的保險

There is also relevant insurance.

我們那裡是亞洲

We are in Asia.

甚至全世界首創

Even a world first.

所以我想那裡我們已經有客戶

So I think we already have customers there.

所以你嚴格來說

So, strictly speaking,

我現在百分之百市佔了幾個

I currently have 100% market share in several.

因為新產品來的

Because new products are coming.

新產品通常有先行者有勢

New products usually have an advantage for pioneers.

要抄要學都需要時間等等的東西

Copying and learning both require time and other things.

記得幾範的險種都有不錯的表現

Remember that several types of insurance have performed well.

市場受到很強

The market is very strong.

所以理論上

So theoretically.

這些所謂新產品去一帶一路的地區

These so-called new products go to the Belt and Road regions.

你選擇了是中東

You chose the Middle East.

看你們一些所謂的資料

Looking at some of your so-called data.

最初的最初的中東國家

The very first countries in the Middle East.

阿聯酋是不是

Is it the UAE?

是

Yes

杜拜方面

Dubai side

我記得好像是先在杜拜裡面

I remember it seems to be inside Dubai first.

做了一些分公司等等的東西

Made some branch offices and other things.

杜拜方面的發展如何

How is the development in Dubai?

聽說旁邊的沙特都有些發展

I heard that the neighboring Saudi Arabia has also made some developments.

兩地的發展如何

How is the development in both places?

是

Yes.

我想我們中東的歷史來講

I think in terms of our Middle Eastern history.

我們是去年九月份開始的

We started in September of last year.

整個journey

The whole journey

其實剛剛就是去年的一周年

Actually, just now was the one-year anniversary of last year.

去年的一帶一路峰會裡面

In last year's Belt and Road Forum,

很多中東的官員來了香港

Many Middle Eastern officials have come to Hong Kong.

那時候阿聯酋的經濟部部長

At that time, the Minister of Economy of the UAE.

都來了香港去了宋馬港

Everyone has come to Hong Kong and gone to Song Ma Port.

我們在那裡做了一個presentation demo

We did a presentation demo there.

我們在做什麼

What are we doing?

剛好那時候阿聯酋

Just at that time, the UAE.

就非常積極地發展數字資產

We are actively developing digital assets.

跟香港非常支持

Very supportive of Hong Kong.

當然香港就吸收很多傳統金融

Of course, Hong Kong absorbs a lot of traditional finance.

或者大中華的公司來

Or companies from Greater China could come.

中東那裡就吸引了很多歐洲

The Middle East has attracted a lot of Europeans.

非洲那些公司去那邊

The companies from Africa go there.

他們就跟香港隨機

They just followed Hong Kong randomly.

就看香港的在用戶保障上是怎麼做

Let's see how Hong Kong manages user protection.

他們看到我們做的眼前一亮

They were impressed by what we did.

我還記得那天

I still remember that day.

他的部長問我們

His minister asked us.

你明天有沒有時間行山

Do you have time to go hiking tomorrow?

行山

Hiking

你要去香港的山你先去那裡

You need to go to the mountains in Hong Kong; you should go there first.

行香港的山

Walk the mountains of Hong Kong.

那裡沒有人行山的

There is no one hiking there.

所以來香港有衣服給你行

So coming to Hong Kong, there are clothes for you.

所以那時候就聊得非常開心

So at that time we had a great conversation.

我都沒聽過有打歌扶你去談生意

I've never heard of anyone helping you promote a song to do business.

行山都談到生意

Hiking is also about discussing business.

我們剛剛那時候其實已經準備了

We had already prepared at that time.

之後一個星期就去阿聯酋

A week later, I will go to the UAE.

那裡去拜訪

Where to visit.

並不是因為你見了部長

It's not because you met the minister.

而是你之前已經談好了

But you had already discussed it earlier.

之前其實已經部署

It was actually already deployed before.

因為當地的FARA

Because of the local FARA.

就是他們的監管機構

It is their regulatory authority.

監獄資產 數字資產的監管機構

Prison assets: regulatory authorities for digital assets.

去年二月的時候已經出了他們的規則

Their rules were already released in February last year.

那是參照香港的做法

That is based on the practices of Hong Kong.

所以說的時候我們已經探路了半年多

So we have been exploring for more than half a year before we said it.

但是真的落實我們去做

But we really need to implement it.

就是去年九月

It was last September.

九月底的事

The matter at the end of September.

那時候我們去到那裡之後

When we got there at that time

紅地毯歡迎

Red carpet welcome.

非常非常重視

Very, very important.

你沒聽過嗎

Haven't you heard?

阿聯酋最需要的是什麼呢

What does the UAE need the most?

高端技術的人員 專家

High-end technical personnel experts.

就是你們這些

It's just you guys.

這個完全是 盧先生你說得很對

This is completely what Mr. Lu said is very true.

因為阿聯酋來說

Because it is about the UAE.

他們大約1000萬人口

They have a population of about 10 million.

本地人口150萬人

The local population is 1.5 million people.

那九成都是什麼

What is that nine tenths?

全部都是外來來的

They are all from abroad.

很多是

A lot of it is.

五回四海 全世界各地

Five times around the world, all corners of the globe.

中國 歐美 東南亞

China, Europe and America, Southeast Asia.

非洲 到處都有的

Africa is everywhere.

所以那裡其實是非常非常缺

So it is actually very, very lacking there.

也都非常渴求有些高端的技術人才

They are also very eager for some high-end technical talent.

無論在金融

Regardless of the financial aspect

還是在網絡安全的地方

Still in the field of cybersecurity.

他們都需要一些很強的

They all need something very strong.

有經驗

Experienced

紅地毯歡迎一定有原因的

There must be a reason for the red carpet welcome.

他們很喜歡我們

They really like us.

我們那裡其實發展得很快

Things are actually developing very quickly here.

九月第一次去

Going for the first time in September.

我們十二月的時候

We in December.

我記得你定期過去的

I remember you used to go regularly.

我差不多兩三個星期過去一次

I go about once every two or three weeks.

關鍵的就是

The key point is

都是一年 是不是一周年

It's been a year, so is it the first anniversary?

最主要的結論就是

The main conclusion is that

現在阿聯酋在獨白方面

Now the UAE is in terms of monologue.

成立了什麼

What was established?

我們去年十二月的時候

Last December.

就跟獨白保險

Just like monologue insurance.

當地歷史最悠久的一間保險公司

The oldest insurance company in the area.

它是1970年前立

It was established before 1970.

其實阿聯酋是1971年

Actually, the UAE was established in 1971.

見過

I have seen.

比它還早

Earlier than it.

他們就做了我們的策略性投資者

They became our strategic investors.

也都在那裡

They are all there too.

跟我們全面合作

Fully cooperate with us.

然後我們之後當然

Then of course we will later...

保險來說是一個高度受監管的產品

Insurance is a highly regulated product.

我今天就很榮幸

I am very honored today.

也可以賣個關子

It can also be left as a cliffhanger.

就是我們阿聯酋的中央銀行

It is our central bank of the UAE.

都已經批准了我們的產品

Our product has already been approved.

香港的產品

Products from Hong Kong

是在阿聯酋

It is in the UAE.

當地 落地

Local landing

等一下

Wait a moment.

首先你們已經有個拍檔

First, you already have a partner.

就是獨白那邊的一些保險公司

It's some insurance companies on the monologue side.

所以經過一年的驗詢就可以了

So after a year of verification, it will be enough.

所以現在給你的產品落地了

So now your product has been implemented.

那落地

That falls to the ground.

我想問

I want to ask.

剛才說你香港最強的三盒產品

Just now you mentioned Hong Kong's top three products.

其實不是傳統的那些很簡單

Actually, it's not as simple as those traditional ones.

傳統的那些是金融保險來的

The traditional ones come from financial insurance.

一類就是寵物保險

One type is pet insurance.

再加其他全部都是科技的東西來的

In addition, everything else is related to technology.

因為我們的產品是非常之新穎

Because our product is非常之新穎.

我經常想一件事就是

I often think about one thing, which is

你經常都跟我說

You often tell me.

當年你做1DV的考量

The considerations you had for 1DV back then.

你不是要做鴻海

You don't want to be Foxconn.

每一道都要做洗粿

Every dish must be made with rice pudding.

你要希望用金融科技的身份

You hope to use the identity of financial technology.

做一些南海市場

Do some South China Sea market.

做一些新產品進軍南海

Develop some new products to enter the South China Sea market.

是否正正因為用剛才那幾項東西

Is it precisely because of those few things just now?

就是進軍好像阿聯酋這些所謂的南海市場

It's like advancing into the so-called South China Sea market in places like the UAE.

你講得完全對

You are absolutely right.

因為我們做的產品來講

Because of the products we make

你可以覺得是由沒有到有

You can think of it as going from nothing to something.

是完全的創新

It is a complete innovation.

當然完全的創新來講

Of course, in terms of complete innovation

在金融監管機構來講

In terms of financial regulatory agencies

他們在18年裡面去看這個市場裡面

They have looked into this market over the past 18 years.

從來沒有見過這樣的產品

I have never seen a product like this.

當然區塊鏈

Of course, blockchain.

香港都是這幾年才有這麼厲害的產品

Hong Kong has only had such amazing products in recent years.

區塊鏈也是10年的歷史

Blockchain also has a history of 10 years.

AI更加是這兩三年的歷史

AI has a history of only the past two to three years.

他們是沒有見過這些產品

They have never seen these products.

他們也要肯定一件事

They also need to confirm one thing.

就是這個是對於消費者有足夠的保障

This provides sufficient protection for consumers.

所以他們在監管機構

So they are in the regulatory authority.

無論在香港的監管機構

Regardless of the regulatory authorities in Hong Kong

還是中東的監管機構

It is still the regulatory agency in the Middle East.

還是歐美的監管機構

It is still the regulatory agencies of Europe and America.

對這件事都很著重

Attach great importance to this matter.

所以我覺得得到阿聯酋中央銀行

So I think we need to get the Central Bank of the UAE.

去核准我們的產品

Go to approve our products.

這個其實是一個非常非常之大的一個里程碑

This is actually a very, very big milestone.

這樣很明顯阿聯酋已經做到成績

It is obvious that the UAE has already achieved results.

產品可以下到地

The product can be placed on the ground.

聽說旁邊那個沙特

I heard that the one next to it is Saudi.

沙特也有些發展

Saudi Arabia has also seen some development.

沙特有些地方是

Some places in Saudi Arabia are

沙特其實跟阿聯酋差不多

Saudi Arabia is actually similar to the UAE.

跟阿聯酋差不多都是千多萬

It's similar to the UAE, both are around ten million.

但它本土人比較多

But it has a larger local population.

那你會相信他們現在

So would you believe them now?

當然沙特很有錢

Of course, Saudi Arabia is very wealthy.

你們的產品去到未先

Where have your products gone?

還是暫時都是純粹一個資金需求上的考慮

It is still purely a consideration based on funding needs for the time being.

沙特阿拉伯的確有幾件事

There are indeed several things in Saudi Arabia.

第一件事就是它也都有一個2030年遠景

The first thing is that it also has a vision for 2030.

阿聯酋有2033年遠景

The UAE has a vision for 2033.

他們基本上就是怎樣將石油的經濟

They basically explain how to manage the economy of oil.

轉型做一個非石油的經濟

Transform into a non-oil economy.

裏面來講

From the inside perspective.

其中一個很大的

One of the biggest.

他們在沙特阿拉伯2030年遠景

They are in Saudi Arabia's Vision 2030.

包括當地的保監

Including the local insurance regulation.

香港有香港的保監

Hong Kong has its own insurance regulator.

沙特有沙特的保監

Saudi Arabia has its own insurance supervision.

沙特的保監今年下半年會出來

The Saudi insurance regulator will come out in the second half of this year.

2030年遠景

Vision for 2030

怎樣將沙特阿拉伯的保費

How to obtain the insurance premium for Saudi Arabia?

是兩倍增長

It is a double growth.

即是在六年裏面要兩倍增長

That means to achieve double growth within six years.

保費

Premium

即是代表多人投保的心態要更高

This means that the mentality of multiple people insuring should be higher.

要多些人去投保

More people need to take out insurance.

然後那裏的產品

Then the products there

要開始漫向和國際接軌

We need to start wandering towards aligning with international standards.

這件事其實是一個頗大的項目

This matter is actually quite a large project.

因為沙特阿拉伯其實十年之前

Because Saudi Arabia actually ten years ago

你連旅遊進去都不行

You can't even enter for tourism.

現在可以

Now it can be done.

現在是可以的

It is possible now.

所以它以前來講

So in the past, it has been...

和國際是沒有接軌的

It is not connected with international standards.

現在要接軌

Now it's time to connect.

接軌之餘

In addition to connecting.

有硬又沒有數字上高

There is hardness but not a high number.

在六年裏面

In six years.

即2030年以內

By the year 2030.

它是要雙倍上升

It aims to double rise.

這個開放很大

This openness is very broad.

這個是低標來的

This is the lower standard.

他說我們通常是比平時

He said we are usually more than usual.

我定的目標是要再做一兩年

My goal is to continue for another one or two years.

六年已經是慢了

Six years is already slow.

所以這個很有趣地

So this is very interesting.

我們今年五月的時候

In May of this year

那時候是和香港的投資推廣署

At that time, it was with the Hong Kong Investment Promotion Agency.

和香港的FSDC

and Hong Kong's FSDC

在金融發展局

At the Financial Development Council

我們去了

We went.

中東做考察

Conducting research in the Middle East.

那時候就和沙特阿拉伯的保監的官員

At that time, I was with the officials of the Saudi Arabian insurance regulatory authority.

和當地的從業者

And local practitioners.

談的時候很快

Talking is very fast.

就搞定了

That's it.

我們三個月裏面

We within three months

現在簽訂了全球合作

Now we have signed a global cooperation agreement.

做些什麼

Do something.

全球合作

Global cooperation

沙特阿拉伯你知道他們資金來講

Do you know about their funding in Saudi Arabia?

非常強

Very strong.

不用想了

No need to think about it.

他用石油那麼多

He uses so much oil.

錢多

A lot of money.

他是全世界石油儲備最大的國家

He is the country with the largest oil reserves in the world.

沒錯

That's right.

他會提供再保險資金

He will provide reinsurance funds.

給我們全世界所有不同國家的用戶

For users from all different countries around the world.

交易所 托管 銀行

Exchange Custody Bank

都會支持我們去做保險

Everyone will support us in doing insurance.

我明白了

I understand.

你也有保險

You also have insurance.

你也有再保險業務

You also have reinsurance business.

通常你再保險的資金

Usually your capital is insured.

一部份是歐美

A part is Europe and America.

一部份是中港內地

A part is from mainland China and Hong Kong.

現在多一個新的水喉就是沙特

Now there is a new faucet, which is Saudi Arabia.

是

Yes

剛才都說了

I just said it.

沙特其實經濟是一個很大的經濟體

Saudi Arabia actually has a very large economy.

但為何他就只給了所謂的

But why did he only give the so-called?

我們再保險這部份的資金投放做投資

We will invest the funds in this part of the reinsurance.

暫時產品還沒落地還是怎樣

Is the product still not launched or what?

暫時產品還沒落地

The product has not been launched yet.

因為你的產品很新

Because your product is very new.

在當地還沒落地

Not yet landed in the local area.

你的產品很新

Your product is very new.

你說得沒錯

You are absolutely right.

當然這個一定是我們去合作的第二部曲

Of course, this will definitely be the second act of our collaboration.

第二部曲會需要一些時間

The second part will take some time.

就是沙特阿拉伯來講

That is to say, speaking of Saudi Arabia.

會相對阿聯酋比較保守

It will be relatively more conservative compared to the UAE.

因為他有超過一半的人口都是本地人口

Because he has more than half of the population as locals.

本地人口的話

Local population's words

他考量點就多一點

He considers more points.

沒錯

That's right.

他要小心很多

He needs to be very careful.

因為阿聯酋今天做一個產品

Because the UAE is launching a product today.

其實是做給國際市場的

It's actually meant for the international market.

你可以這樣想

You can think of it this way.

因為他八成以上的人口都是國際人口

Because more than 80% of its population consists of international residents.

但是沙特來講

But when it comes to Saudi Arabia,

一半是自己人口

Half is one's own population.

超過一半是自己人

More than half are our own people.

他要小心很多

He needs to be very careful.

他一定要看

He must see it.

你不可以做第二個雷曼事件出來

You cannot create a second Lehman event.

不是

No.

所以說要很小心

So you need to be very careful.

他當然是錢多

Of course, he has a lot of money.

需要找投資渠道

Need to find investment channels.

經你們做再保險的話

After you do the reinsurance.

也可以想

You can also think about it.

當然下一步

Of course, the next step.

加上你在杜拜或者阿聯酋做得好的話

If you do well in Dubai or the UAE.

就要移植過去

Just about to be transplanted over.

有多難

How difficult is it?

這方面就是在一帶奴隸中東的機遇

This aspect is the opportunity in the Belt and Road slave trade in the Middle East.

剛才說了一年前

Just now, I mentioned a year ago.

你也是跟阿聯酋的部長聊天

You are also chatting with the ministers from the UAE.

他剛剛去完一帶奴隸的時候

He just returned from a place full of slaves.

還認識了你

Still got to know you.

然後一年就做成績了

Then we achieved results in a year.

你還要在一帶奴隸裏面有發言

You still want to have a say within the Belt and Road slaves.

你今年

You this year.

我想說一下

I want to say something.

大概是這樣

It's probably like this.

我想分享一下

I want to share something.

用回這一年的經驗來講

Using the experiences from this year to speak.

你覺得一帶奴隸市場出來的話

What do you think about the emergence of a slave market along the Belt and Road?

對你來說

For you

你都屬於Fintech裏面的先行者

You belong to the pioneers in Fintech.

在產品方面

In terms of products

你在香港做成績出來

You achieved results in Hong Kong.

往外走的話

If we go outside.

特別不要忘記

Specially don't forget.

中東是一個比較新的市場

The Middle East is a relatively new market.

其實一帶奴隸有很多新的市場

In fact, there are many new markets for slave trade.

歐美比較成熟

Europe and America are relatively more mature.

整條路裏面經過的地方

The places passed through along the entire road.

是否全都是新市場

Is it all new markets?

極度地南海

Extremely South China Sea

可以考慮還是怎樣

Can we consider it or what?

的確

Indeed

第一

First

以市場來講

In terms of the market.

我想我們先中東

I think we should go to the Middle East first.

我們下一個目標是歐洲

Our next target is Europe.

那邊以人口

Over there by the population.

資產管理的量化

Quantitative Asset Management

基本上是頗可惜的

It's basically quite a pity.

市場第一很大

The market leader is very large.

第二

Second

無論是歐洲還是中東

Whether in Europe or the Middle East

他們對於AI對區塊鏈

They are interested in AI's impact on blockchain.

是非常非常之重視的

It is taken very, very seriously.

例如以中東來講

For example, in the case of the Middle East.

他們其實

They actually

阿聯酋那裏現在有AI大學

There are AI universities in the UAE now.

有AI部長

There is an AI minister.

其實他看得很清楚

In fact, he sees it very clearly.

有個政府部門看的

There is a government department that is looking into it.

有個政府部門看

There is a government department that looks.

其實今年年頭的時候

Actually, at the beginning of this year.

他那裏有個叫世界政府會議

He has something called the World Government Conference.

那世界政府會議

That world government conference.

就找了Sam Ackman

So I found Sam Ackman.

即是OpenAI的CEO

That is the CEO of OpenAI.

找了王人芬

I found Wang Renfen.

即是Jensen Huang

That is Jensen Huang.

即是NVIDIA的CEO

That is the CEO of NVIDIA.

找了Meta

Looking for Meta.

即是以前的Facebook

It's just like the old Facebook.

現在叫Meta

Now called Meta

的AI的PHD

AI PhD

部門主管

Department Head

在那裏其實就是在討論

They are actually discussing there.

未來來講

In terms of the future.

AI的管治來講怎樣做

How to govern AI?

因為AI來講

Because of AI, it is said...

它威力很大

It is very powerful.

但威力很大

But the power is very great.

你無可成就

You cannot achieve anything.

無可成就亦能取走

Nothing can be accomplished, yet it can still be taken away.

即是等於雙刃劍

It is equivalent to a double-edged sword.

你能夠在安全可控的情況

You can do it in a safe and controllable situation.

用到它就更加好

It's even better to use it.

回頭就很危險

Turning back is very dangerous.

所以盡量將這部份減到最低

So try to minimize this part as much as possible.

即是所謂風險方面

This is what we call the aspect of risk.

所以他們對這件事很重視

So they attach great importance to this matter.

以歐洲來講

In terms of Europe

歐洲全世界是第一個

Europe is the first in the world.

大的監管機構

Large regulatory body

亦都是開始管治AI

It is also the beginning of governing AI.

它現在有歐盟的AI立法

It now has EU AI legislation.

它叫UARX

It is called UARX.

那件事很Powerful

That matter is very powerful.

因為其實幾年之前

Because actually a few years ago

GDPR

GDPR

假如你一間公司

If you have a company

你將客戶的資料

You will have the customer's information.

洩漏出去

leaked out

它可以罰你

It can punish you.

一年百分之二的營業額

Annual turnover of two percent.

2%

2%

你可忘記今天

You can forget today.

我們的毛利率

Our gross margin

特別在所謂已成熟市場

Especially in so-called mature markets.

基本上有8%

Basically, there is 8%.

你沒有了2%

You have lost 2%.

你的股價都跌得很低

Your stock price has fallen very low.

你基本上全年的營利就沒有了

You basically have lost all your profit for the year.

很容易就沒有了

It's easy to lose.

所以其實他們

So actually they

因為對於這些的監管

Because of the regulation of these.

深科技的監管

Regulation of deep technology

是走得很前

It is moving forward very quickly.

所以他們對於我們這些的技術

So they have concerns about our technology.

和風險管理的產品

and risk management products

包括保險的產品

Insurance-inclusive products.

是非常非常之有興趣

I am very, very interested.

你經常講

You often talk.

我們叫出海過程

We call it the process of going to sea.

其實一帶一路都是出海來的

Actually, the Belt and Road Initiative is all about going out to sea.

其實我們以前在內地

Actually, we used to be in the mainland.

出海過程中

During the process of going out to sea.

很多人都在想

Many people are thinking.

我們要有什麼產品

What products do we need to have?

可以叫什麼

What can it be called?

你叫做什麼

What is your name?

拳頭產品

Flagship product

一拳打出去

One punch thrown out.

有反應那些

What has reacted?

拳頭產品

Flagship product

我先說

I'll go first.

我們這幾年做了成績的三樣東西

In the past few years, we have achieved three things.

寵物保險

Pet insurance

再加上專屬保險

In addition to exclusive insurance.

再加上AI的保險

Plus the insurance from AI.

其實就是新一代的拳頭產品

It is actually the new generation of flagship products.

這些就是新一代的拳頭產品

These are the flagship products of the new generation.

我經常都說

I often say.

現在的技術

Current technology

或者甚至是整個生活模式的改變

Or even a complete change in lifestyle.

我想是歷史以來

I think it's throughout history.

是最快的一次

This is the fastest time.

有人叫現在做

Someone said to do it now.

另一次的工業革命

Another industrial revolution

都可以這麼說

You could say that.

所以包括十年之後的

So including ten years from now.

小孩子怎麼讀書

How do children study?

工作的工種

Types of jobs

其實會有一個翻天覆地的

Actually, there will be a tremendous change.

一個大的改變會發生

A big change will happen.

在這些情況裡面

In these situations.

當然他們威力很大

Of course, they are very powerful.

但是同時間

But at the same time

假如你沒有好好地利用它

If you do not make good use of it.

你有可能很大的破壞

You could cause a lot of destruction.

所以其實裡面

So actually inside

我們需要一個安全網

We need a safety net.

保險是其中一種

Insurance is one of them.

保險是一個安全網

Insurance is a safety net.

那麼

Then.

做數字安全

Ensure digital security.

也是一種安全網

It is also a kind of safety net.

包括就算是寵物保險

Including even pet insurance.

LGBT的生活方式

LGBT lifestyle

也是需要一個安全網

A safety net is also needed.

而是以前一百年以來

But rather for the past one hundred years.

沒試過的

Never tried it.

因為保險不是新的

Because the insurance is not new.

已經百多二百年了

It's already been over a hundred to two hundred years.

以前海運

Previously shipping.

航海時代已經要買保險了

The Age of Exploration had already begun purchasing insurance.

但是今天的保險

But today's insurance

跟一百五十年前的保險不同了

It is different from insurance one hundred and fifty years ago.

正因這樣

It is precisely because of this.

所以要在創新裡面做多一點

So we need to do a bit more in innovation.

出奇地想不到

Unexpectedly unimaginable.

我們香港這十年裡面

In the past ten years in Hong Kong,

做了所有的金融科技

Done all the fintech.

想不到我們做到成績

I didn't expect we would achieve such results.

你們一家公司就走出去

Your company should just go out.

我想歷史來講

I want to talk about history.

由以前是純金融的時候

From the time when it was purely finance.

做得好的公司

Well-performing companies.

其實結果都是向區內

In fact, the results are all directed towards the region.

甚至全世界去走

Even travel around the world.

我相信金融科技

I believe in financial technology.

這條路以出海來講

This road is about going to sea.

會比以前會發展得再快

It will develop faster than before.

因為金融科技有很多倍

Because financial technology has many times.

原因是因為你不再需要有分行

The reason is that you no longer need to have branches.

不需要設分行

No need to set up a branch.

沒錯

That's right.

設分行用的時間是很長的

The time spent in setting up a branch is very long.

但是你全部在一部電話裡面

But you are all in one phone.

可以處理到

Can handle it.

包括接下來iPhone16出來

Including the upcoming iPhone 16 release.

iPhone16也有AI功能

The iPhone 16 also has AI features.

你現在全部

You are everything now.

一部電話已經搞定的時候

When a phone is already taken care of.

你出海的過程可以去得很快

The process of you going out to sea can be very fast.

我想說一件事

I want to say something.

大家也知道

Everyone knows.

金融科技創新的一件事

One thing about financial technology innovation.

傳統的實體店已經買少見少

Traditional physical stores are becoming increasingly rare.

你今天保險也是線上搞

Are you handling your insurance online today as well?

找個人跟你談

Find someone to talk to you.

跟你談

Talk to you.

你用AI搞定它

You can handle it with AI.

就是這個道理

That's the way it is.

今天謝謝我們的好朋友

Thank you to our good friends today.

是One Degree的創辦人

He is the founder of One Degree.

兼行政總裁江燕

Chairman and CEO Jiang Yan

Alvin上次說

Alvin said last time

他今年也在《一帶老女論壇》

He is also at the "Belt and Road Forum for Senior Women" this year.

有發言

There is a speech.

跟我們分享了他過去一年

He shared with us his past year.

《一帶老女論壇》做了什麼成績

"What achievements has the 'Belt and Old Women's Forum' made?"

謝謝Alvin

Thank you, Alvin.

謝謝

Thank you

字幕志愿者 李宗盛

Subtitle Volunteer: Li Zongsheng

中文字幕志愿者 李宗盛

Subtitle Volunteer Li Zongsheng